In Wagoner, a typical home is worth $148,900 and typical rent is $868 a month. Compared with all of Wagoner County, the typical home value is 37% lower, typical household income is 29% lower, and the share of households that own their home is 23 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $152,033 to $189,517.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wagoner is in Wagoner County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Wagoner County. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Wagoner own their home, against 81% in Wagoner County.
2
The typical home in Wagoner is worth $148,900,37% less than in Wagoner County as a whole ($234,800).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Wagoner rose 7.5%; in Oklahoma, it rose 2.6%.
4
The typical household income in Wagoner is $57,917,29% less than in Wagoner County as a whole ($81,207).
5
The typical rent in Wagoner is $868 a month, 19% less than in Wagoner County as a whole ($1,068).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Wagoner
What homes there are in Wagoner, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Wagoner
Wagoner County
Oklahoma
United States
Kind of home: Wagoner and its comparisons
Measure
Wagoner
Wagoner County
Oklahoma
United States
Detached house
77%
81%
73%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
7%
2%
5%
8%
Apartments (5 or more)
10%
5%
12%
19%
Mobile home
4%
11%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Wagoner (77%), but less so than in Wagoner County (81%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Wagoner
Wagoner County
Oklahoma
United States
Year built: Wagoner and its comparisons
Measure
Wagoner
Wagoner County
Oklahoma
United States
Before 1960
24%
7%
21%
26%
1960–1979
38%
25%
28%
24%
1980–1999
22%
24%
24%
25%
2000–2009
13%
23%
13%
14%
2010 or later
4%
21%
13%
11%
The typical home in Wagoner was built in 1976, 19 years before the typical one in Wagoner County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K22%
$100K–$200K52%
$200K–$300K18%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Wagoner and its comparisons
Measure
Wagoner
Under $100K
22%
$100K–$200K
52%
$200K–$300K
18%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for Wagoner County is high ($541,287): at least 99% of owner-occupied homes in Wagoner are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50015%
$500–$99954%
$1,000–$1,49930%
HUD fair market rent, 2 bedrooms: $1,229
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wagoner and its comparisons
Measure
Wagoner
Under $500
15%
$500–$999
54%
$1,000–$1,499
30%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 83% of rented homes in Wagoner cost less than HUD's 2-bedroom fair market rent for Wagoner County ($1,229).
With a mortgage
$1,283 a month
Wagoner County: $1,568 a month
Without a mortgage
$491 a month
Wagoner County: $546 a month
Owners with a mortgage
64%
Wagoner County: 63%
Owning costs less in Wagoner: with a mortgage, the typical cost is $1,283 a month; in Wagoner County, $1,568. Without one, $491.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wagoner+39%
Wagoner County+48%
Oklahoma+46%
United States+53%
Typical rent
Wagoner+17%
Wagoner County+21%
Oklahoma+25%
United States+33%
Typical household income
Wagoner+64%
Wagoner County+29%
Oklahoma+23%
United States+29%
Change since 2015–2019: Wagoner and its comparisons
Measure
Wagoner
Wagoner County
Oklahoma
United States
Typical home value
+39%
+48%
+46%
+53%
Typical rent
+17%
+21%
+25%
+33%
Typical household income
+64%
+29%
+23%
+29%
Homes in Wagoner gained value more slowly than in Wagoner County: 39% since 2015–2019, against 48%.
Since 2015–2019, the typical rent in Wagoner rose 17%, less than in Wagoner County (21%).
The typical household income in Wagoner rose 64%: more than home values (+39%) and rent (+17%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wagoner and its comparisons
Measure
Wagoner
Wagoner County
Oklahoma
United States
Rental vacancy
Unreliable estimate
4.0%
6.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.2%
0.9%
More than one person per room
Unreliable estimate
2.6%
2.9%
3.4%
People per household
2.61
2.75
2.50
2.53
Drive alone
76%
80%
77%
69%
Carpool
15%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
6%
9%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
On average, a household in Wagoner has 2.61 people, fewer than in Wagoner County (2.75).
In Wagoner, 15% of workers share a car to get to work; in Wagoner County, 9%.
Do the math
What would you pay each month for a home in Wagoner?
A typical home is within reach of the typical income
We start with a typical home in Wagoner, worth $148,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Wagoner, which is $57,917 a year.
The calculator's FHA and conventional loan limits are those of all of Wagoner County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Wagoner. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,212 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,223
at 7.18% · 30 years
Loan amount
$146,203
Total interest
$210,351
Paid off in
November 2056
Includes $2,515 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,351 a month
Your payment · 25%
Tight
$1,351 to $1,738 a month
Hard
more than $1,738 a month
Compared with the typical household income in Wagoner ($57,917 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$990
Property tax
$104
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,212 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,223; principal and interest $990.
The city and its county
Wagoner and Wagoner County
Wagoner is in Wagoner County, Oklahoma. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Wagoner
Map of Wagoner County, Oklahoma, with Wagoner marked. Around it, the neighboring counties.
Wagoner
Wagoner County
Other cities with a page
Wagoner's own numbers
Typical home value
$148,900
Typical monthly rent
$868
Typical yearly household income
$57,917
Households that own their home
59%
Effective property tax rate
0.84%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wagoner County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,229
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
2.4%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Wagoner County.
A typical home in Wagoner is worth $148,900: 37% below the county and 25% below Oklahoma. With the typical household income in Wagoner ($57,917 a year), a typical home costs 2.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Wagoner2.6 years
County2.9 years
Oklahoma3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wagoner County
According to FHFA’s house price index, home prices in Wagoner County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wagoner County.
Yearly change in FHFA’s price index in Wagoner County, 2016 to 2025
2016: +2.1% +2.1% 2016
2017: +4.9% +4.9% 2017
2018: +3.1% +3.1% 2018
2019: +4.1% +4.1% 2019
2020: +4.1% +4.1% 2020
2021: +12.1% +12.1% 2021
2022: +15.8% +15.8% 2022
2023: +9.2% +9.2% 2023
2024: +2.1% +2.1% 2024
2025: +2.8% +2.8% 2025
Change in FHFA’s price index in Wagoner County, Oklahoma and the United States
Period
County
Oklahoma
U.S.
Last year (2025)
+2.8%
+2.6%
+2.9%
5 years (2020–2025)
+49%
+46%
+47%
10 years (2015–2025)
+78%
+71%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Wagoner next to Wagoner County, Oklahoma and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Wagoner$148,900
County$234,800
Oklahoma$199,800
United States$332,700
Typical monthly rent
Wagoner$868
County$1,068
Oklahoma$1,014
United States$1,413
Typical yearly household income
Wagoner$57,917
County$81,207
Oklahoma$65,039
United States$80,734
See the full table
Wagoner next to Wagoner County and Oklahoma
Measure
Wagoner
Wagoner County
Oklahoma
U.S.
Typical home value
$148,900 ▼37% below the county
$234,800
$199,800
$332,700
Typical monthly rent
$868 ▼19% below the county
$1,068
$1,014
$1,413
Typical yearly household income
$57,917 ▼29% below the county
$81,207
$65,039
$80,734
Households that own their home
59% ▼23 points below the county
81%
66%
65%
Typical yearly property tax
$1,249 ▼33% below the county
$1,858
$1,599
$3,119
Effective property tax rate
0.84% ▲0.05 points above the county
0.79%
0.8%
0.94%
Renters with high rent for their income
44% ▲2 points above the county
42%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wagoner County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Wagoner
For a typical $148,900 home in Wagoner, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wagoner's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,223a month
Least cash to close
Down payment
$5,212
Cash to close
$9,679
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,195a month
Down payment
$7,445
Cash to close
$11,912
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$973a month
Down payment
$29,780
Cash to close
$34,247
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,111a month
Down payment
$22,335
Cash to close
$26,802
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wagoner
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,223
$5,212
$146,203
7.18%
FHA MIP · $66
$9,679
580
Conventional, 5% down
$1,195
$7,445
$141,455
7.18%
PMI · $71
$11,912
620*
Conventional, 20% down, no PMI
$973
$29,780
$119,120
7.18%
None
$34,247
620*
ITIN, 15% down (example)
$1,111
$22,335
$126,565
8.18%
None
$26,802
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Wagoner is $868 a month: 19% below the county. In Wagoner, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Wagoner County, by unit size. To pay the 2-bedroom one ($1,229 a month) without spending more than 30% of your income, you would need to earn $23.63 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Wagoner County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$947
$18.21
$37,880
1 bedroom
$1,007
$19.37
$40,280
2 bedrooms
$1,229
$23.63
$49,160
3 bedrooms
$1,611
$30.98
$64,440
4 bedrooms
$1,882
$36.19
$75,280
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Wagoner
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wagoner is in ZIP code 74467.
For 2 bedrooms it is $1,010: $219 less than the fair market rent for Wagoner County ($1,229).
Fair market rent by ZIP code and size in Wagoner, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
74467
$780
$830
$1,010
$1,320
$1,550
ZIP code2 bd3 bd
74467 $1,010$1,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wagoner when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Wagoner. These are the largest.
Autumn Woods Apts701 S Filmore Ave, Wagoner 74467100 low-income homes · 1 bd: 10 · 2 bd: 30 · 3 bd: 44 · 4 bd: 19 · In service since 2014 · For people with disabilities, families(918) 485-5422
River Pointe Apts1199 SW 15th St, Wagoner 7446760 low-income homes · 1 bd: 8 · 2 bd: 48 · 3 bd: 4 · In service since 2000
Wagoner Village Apts1501 S Dewey Ave, Wagoner 7446731 low-income homes · In service since 2004 · For families
Yorkshire Retirement Village2200 W Wellington St, Wagoner 7446760 homes, 24 low-income · In service since 1992
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Wagoner County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Wagoner or Wagoner County. The ones below are statewide in Oklahoma: they work in Wagoner the same as in the rest of the state.
Oklahoma state agency help of 3.5% of the loan for the down payment and closing costs, as a second lien with no interest and no installments, repaid when you pay off the loan, refinance or leave the home.Offered by Oklahoma Housing Finance Agency (OHFA).
No legal help resource on our list is for Wagoner or Wagoner County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Wagoner and all of Wagoner County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Wagoner?
The typical home value in Wagoner is $148,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wagoner County it is $234,800.
How much does it cost to rent in Wagoner?
Typical rent in Wagoner is $868 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wagoner County is $1,229.
What is the FHA loan limit in Wagoner?
Wagoner uses the FHA limit for all of Wagoner County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Wagoner?
The typical homeowner in Wagoner pays $1,249 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Wagoner County, the rate is 0.79%.
Where can I find free help to buy or rent in Wagoner?
We found no HUD-approved counseling agencies with an office in Wagoner County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
